If you take more than you make, you may have find yourself with more debt than you know what to do with.
Don't feel bad. It happens easily and can sneak up on you. There are so many things to pay for: car repairs, food (especially growing costs if you have a family), mortgage, utilities, taxes, classes, memberships, entertainment, gas, insurance, more insurance, medical expenses...and it seems to snowball doesn't it?
And it happens to the best of us. It tends to snowball right onto credit cards and payment plans you've worked out along the way here and there.
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When you don't budget for reality, 1 of 2 things will happen: you'll come up short on paying for everything you've budgeted or you'll absorb the unexpected expense in the form of debt. Neither is good (credit cards are a dangerous form of planning for emergencies).
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